What is James River Group Holdings Inc's earnings per share (EPS)?

James River Group Holdings Inc (JRVR) reported diluted earnings per share of $0.79 for fiscal year 2025. This represents a 125.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

James River Group Holdings Inc Financials

JRVR

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows James River Group Holdings Inc (JRVR) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 19/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

James River Group Holdings Inc's revenue declined 2.8% year-over-year, from $707.6M to $687.6M. This contraction results in a growth score of 29/100.

Leverage

James River Group Holdings Inc has elevated debt relative to equity (D/E of 7.78), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

While James River Group Holdings Inc generated -$18.8M in operating cash flow, capex of $4.8M consumed most of it, leaving -$23.6M in free cash flow. This results in a low score of 16/100, reflecting heavy capital investment rather than weak cash generation.

Returns

James River Group Holdings Inc's ROE of 8.8% shows moderate profitability relative to equity, earning a score of 31/100. This is up from -17.6% the prior year.

Piotroski F-Score Weak

3/9

James River Group Holdings Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Low Quality

-0.40x

For every $1 of reported earnings, James River Group Holdings Inc generates $-0.40 in operating cash flow (-$18.8M OCF vs $47.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$687.6M

YoY-2.8%

5Y CAGR+0.6%

10Y CAGR+3.1%

James River Group Holdings Inc generated $687.6M in revenue in fiscal year 2025. This represents a decrease of 2.8% from the prior year.

EBITDA

N/A

Net Income

$47.4M

YoY+158.5%

5Y CAGR+58.0%

10Y CAGR-1.2%

James River Group Holdings Inc reported $47.4M in net income in fiscal year 2025. This represents an increase of 158.5% from the prior year.

EPS (Diluted)

$0.79

YoY+125.8%

5Y CAGR+37.6%

10Y CAGR-8.0%

James River Group Holdings Inc earned $0.79 per diluted share (EPS) in fiscal year 2025. This represents an increase of 125.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

-$23.6M

YoY+90.6%

James River Group Holdings Inc generated -$23.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 90.6% from the prior year.

Cash & Debt

$260.9M

YoY-28.0%

5Y CAGR+10.0%

10Y CAGR+9.4%

James River Group Holdings Inc held $260.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.04

YoY-75.0%

5Y CAGR-49.4%

10Y CAGR-31.0%

James River Group Holdings Inc paid $0.04 per share in dividends in fiscal year 2025. This represents a decrease of 75.0% from the prior year.

Shares Outstanding

46M

YoY+0.7%

5Y CAGR+8.4%

10Y CAGR+4.7%

James River Group Holdings Inc had 46M shares outstanding in fiscal year 2025. This represents an increase of 0.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

6.9%

YoY+18.4pp

5Y CAGR+6.2pp

10Y CAGR-3.7pp

James River Group Holdings Inc's net profit margin was 6.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 18.4 percentage points from the prior year.

Return on Equity

8.8%

YoY+26.4pp

5Y CAGR+8.2pp

10Y CAGR+0.9pp

James River Group Holdings Inc's ROE was 8.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 26.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$4.8M

YoY-1.8%

5Y CAGR+54.3%

James River Group Holdings Inc invested $4.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 1.8% from the prior year.

JRVR Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$687.6M-2.8%	$707.6M-12.9%	$812.0M+22.8%	$661.5M+8.6%	$609.0M-8.9%	$668.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$23.5M-4.6%	$24.7M+0.2%	$24.6M+77.5%	$13.9M+55.5%	$8.9M-11.1%	$10.0M
Income Tax	$723K+109.5%	-$7.6M-129.7%	$25.7M+39.6%	$18.4M+179.3%	-$23.2M-426.7%	$7.1M
Net Income	$47.4M+158.5%	-$81.1M+24.7%	-$107.7M-447.7%	$31.0M+117.9%	-$172.8M-3682.1%	$4.8M
EPS (Diluted)	$0.79+125.8%	$-3.06+2.2%	$-3.13-630.5%	$0.59+111.9%	$-4.94-3187.5%	$0.16

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$167.7M-2.9%	$172.7M-1.2%	$174.8M+1.5%	$172.3M+36.0%	$126.7M-33.8%	$191.5M+1.7%	$188.3M-6.4%	$201.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$6.0M-4.1%	$6.2M+7.2%	$5.8M+4.8%	$5.5M-2.9%	$5.7M-6.8%	$6.1M-3.4%	$6.3M-2.2%	$6.5M
Income Tax	-$7.6M-814.3%	$1.1M-52.0%	$2.2M-56.0%	$5.0M+156.5%	-$8.9M+36.2%	-$13.9M-343.6%	$5.7M-39.6%	$9.5M
Net Income	$32.1M+3041.3%	$1.0M-78.5%	$4.8M-50.3%	$9.6M+114.8%	-$64.8M-64.5%	-$39.4M-616.5%	$7.6M-50.5%	$15.4M
EPS (Diluted)	N/A	$-0.02-133.3%	$0.06-62.5%	$0.16	N/A	$-1.10-946.2%	$0.13-62.9%	$0.35

JRVR Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.9B-2.9%	$5.0B-5.8%	$5.3B+3.5%	$5.1B+3.8%	$4.9B-2.3%	$5.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$260.9M-28.0%	$362.3M+32.1%	$274.3M+72.3%	$159.2M-16.3%	$190.1M+17.2%	$162.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M
Total Liabilities	$4.2B-5.1%	$4.4B-4.8%	$4.6B+4.5%	$4.4B+5.1%	$4.2B-1.0%	$4.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$538.2M+16.8%	$460.9M-13.8%	$534.6M-3.5%	$553.8M-23.7%	$725.4M-8.8%	$795.6M
Retained Earnings	-$364.7M+9.4%	-$402.4M-44.8%	-$277.9M-82.8%	-$152.1M+8.8%	-$166.7M-438.6%	$49.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$4.9B-1.8%	$5.0B-1.4%	$5.0B+1.4%	$4.9B-1.2%	$5.0B+1.0%	$5.0B+4.7%	$4.7B-9.8%	$5.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$260.9M+9.3%	$238.8M+8.5%	$220.0M-21.3%	$279.4M-22.9%	$362.3M+0.7%	$359.8M-46.5%	$672.5M+120.1%	$305.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M0.0%	$181.8M
Total Liabilities	$4.2B-2.9%	$4.3B-1.8%	$4.4B+1.4%	$4.3B-1.8%	$4.4B+3.0%	$4.3B+5.7%	$4.1B-11.3%	$4.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$538.2M+6.9%	$503.6M+2.2%	$492.6M+1.7%	$484.5M+5.1%	$460.9M-13.1%	$530.3M-2.1%	$541.8M+0.4%	$539.5M
Retained Earnings	-$364.7M+7.5%	-$394.4M-0.4%	-$393.0M+0.6%	-$395.3M+1.8%	-$402.4M-30.7%	-$307.9M-16.6%	-$264.0M+1.2%	-$267.1M

JRVR Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$18.8M+92.4%	-$247.1M-380.9%	$88.0M-60.5%	$222.7M+124.4%	-$913.5M-233.6%	-$273.8M
Capital Expenditures	$4.8M-1.8%	$4.9M-24.0%	$6.4M-21.7%	$8.2M+30.4%	$6.3M+1048.1%	$549K
Free Cash Flow	-$23.6M+90.6%	-$252.0M-409.1%	$81.5M-62.0%	$214.5M+123.3%	-$919.8M-235.2%	-$274.4M
Investing Cash Flow	-$116.0M-137.8%	$307.0M+1735.0%	$16.7M+105.1%	-$328.2M-1016.0%	$35.8M+120.4%	-$176.0M
Financing Cash Flow	$13.2M+145.8%	-$28.8M-36.6%	-$21.1M-123.5%	$89.7M-39.3%	$147.7M+124.0%	$65.9M
Dividends Paid	$2.0M-67.9%	$6.2M-19.6%	$7.7M-0.7%	$7.8M-82.0%	$43.2M+16.7%	$37.1M
Share Buybacks	N/A	N/A	N/A	$1.3M-57.6%	$3.1M-14.6%	$3.6M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$26.8M-178.1%	$34.3M+36.4%	$25.2M+148.9%	-$51.5M-789.4%	$7.5M+102.8%	-$269.9M-3009.3%	-$8.7M-136.1%	$24.1M
Capital Expenditures	$2.5M+271.2%	$663K+44.4%	$459K-62.3%	$1.2M-55.4%	$2.7M+229.3%	$830K+42.6%	$582K-21.9%	$745K
Free Cash Flow	-$29.3M-186.9%	$33.7M+36.3%	$24.7M+146.9%	-$52.7M-1213.4%	$4.7M+101.7%	-$270.8M-2822.9%	-$9.3M-139.7%	$23.3M
Investing Cash Flow	$30.4M+338.8%	-$12.7M+84.2%	-$80.7M-52.1%	-$53.0M-269.8%	-$14.3M+59.3%	-$35.3M-111.4%	$309.1M+550.9%	$47.5M
Financing Cash Flow	-$2.5M+1.7%	-$2.6M+27.6%	-$3.6M-116.3%	$21.9M+123.6%	$9.8M+237.0%	-$7.1M+72.5%	-$26.0M-377.1%	-$5.5M
Dividends Paid	$470K+0.6%	$467K+1.3%	$461K-23.2%	$600K+37.3%	$437K-76.9%	$1.9M-0.1%	$1.9M-5.6%	$2.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

JRVR Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	6.9%+18.4pp	-11.5%+1.8pp	-13.3%-17.9pp	4.7%+33.1pp	-28.4%-29.1pp	0.7%
Return on Equity	8.8%+26.4pp	-17.6%+2.5pp	-20.1%-25.7pp	5.6%+29.4pp	-23.8%-24.4pp	0.6%
Return on Assets	1.0%+2.6pp	-1.6%+0.4pp	-2.0%-2.6pp	0.6%+4.1pp	-3.5%-3.6pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.78-1.8	9.57+0.9	8.67+0.7	8.02+2.2	5.82+0.5	5.36
FCF Margin	-3.4%+32.2pp	-35.6%-45.6pp	10.0%-22.4pp	32.4%+183.5pp	-151.0%-110.0pp	-41.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	19.1%+18.5pp	0.6%-2.1pp	2.7%-2.8pp	5.6%+56.7pp	-51.1%-30.6pp	-20.6%-24.6pp	4.0%-3.6pp	7.7%
Return on Equity	6.0%+5.8pp	0.2%-0.8pp	1.0%-1.0pp	2.0%+16.0pp	-14.1%-6.6pp	-7.4%-8.8pp	1.4%-1.4pp	2.9%
Return on Assets	0.7%+0.6pp	0.0%-0.1pp	0.1%-0.1pp	0.2%+1.5pp	-1.3%-0.5pp	-0.8%-1.0pp	0.2%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.78-0.8	8.56-0.4	8.92-0.0	8.94-0.6	9.57+1.5	8.08+0.6	7.48-1.0	8.46
FCF Margin	-17.4%-36.9pp	19.5%+5.3pp	14.1%+44.7pp	-30.6%-34.3pp	3.7%+145.1pp	-141.4%-136.5pp	-4.9%-16.5pp	11.6%

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Frequently Asked Questions

What is James River Group Holdings Inc's annual revenue?

James River Group Holdings Inc (JRVR) reported $687.6M in total revenue for fiscal year 2025. This represents a -2.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is James River Group Holdings Inc's revenue growing?

James River Group Holdings Inc (JRVR) revenue declined by 2.8% year-over-year, from $707.6M to $687.6M in fiscal year 2025.

Is James River Group Holdings Inc profitable?

Yes, James River Group Holdings Inc (JRVR) reported a net income of $47.4M in fiscal year 2025, with a net profit margin of 6.9%.

What is James River Group Holdings Inc's net profit margin?

James River Group Holdings Inc (JRVR) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does James River Group Holdings Inc pay dividends?

Yes, James River Group Holdings Inc (JRVR) paid $0.04 per share in dividends during fiscal year 2025.

What is James River Group Holdings Inc's return on equity (ROE)?

James River Group Holdings Inc (JRVR) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is James River Group Holdings Inc's free cash flow?

James River Group Holdings Inc (JRVR) generated -$23.6M in free cash flow during fiscal year 2025. This represents a 90.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is James River Group Holdings Inc's operating cash flow?

James River Group Holdings Inc (JRVR) generated -$18.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are James River Group Holdings Inc's total assets?

James River Group Holdings Inc (JRVR) had $4.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are James River Group Holdings Inc's capital expenditures?

James River Group Holdings Inc (JRVR) invested $4.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does James River Group Holdings Inc have outstanding?

James River Group Holdings Inc (JRVR) had 46M shares outstanding as of fiscal year 2025.

What is James River Group Holdings Inc's debt-to-equity ratio?

James River Group Holdings Inc (JRVR) had a debt-to-equity ratio of 7.78 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is James River Group Holdings Inc's return on assets (ROA)?

James River Group Holdings Inc (JRVR) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is James River Group Holdings Inc's cash runway?

Based on fiscal year 2025 data, James River Group Holdings Inc (JRVR) had $260.9M in cash against an annual operating cash burn of $18.8M. This gives an estimated cash runway of approximately 167 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is James River Group Holdings Inc's Piotroski F-Score?

James River Group Holdings Inc (JRVR) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are James River Group Holdings Inc's earnings high quality?

James River Group Holdings Inc (JRVR) has an earnings quality ratio of -0.40x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is James River Group Holdings Inc?

James River Group Holdings Inc (JRVR) scores 19 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.